JPH0714050A - Transaction device - Google Patents

Abstract

PURPOSE:To ask a user whether he permits payment or not in the case that the amount of money of a payment request exceeds the payment limit amount obtained by subtracting the amount of money of predeterminate payment from the deposit balance. CONSTITUTION:This transaction device pays the requested amount of money from the deposit account, from which an automatic payment transaction is performed with a prescribed period, and is provided with a payment limit amount calculating part 51 and a payment guide part 52, and the payment limit amount calculating part 51 calculates the payment limit amount obtained by subtracting the amount or money or predeterminate payment in the pertinent period from the deposit balance at the time of the payment transaction, and the payment guide part 52 displays the payment limit amount and displays a guide to ask the user whether he permits payment or not if the requested amount of money exceeds the payment limit amount.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an improvement of a transaction device for performing payment (hereinafter also referred to as withdrawal) transaction from a deposit account for automatic withdrawal transaction.

[0002] At a financial institution or the like, when the amount designated by the customer is within the deposit account balance at the time of payment of cash or payment to the transfer destination, the designated amount is withdrawn. However, with such a payment method, there is a possibility that the balance for automatic debit will be insufficient in the account where automatic deduction of public utility charges, reserves, etc. is performed, and the customer must always be aware of this insufficient balance. I have to. For this reason, a transaction device that warns of this shortage of balance at the time of payment transaction is required.

[0003]

2. Description of the Related Art FIG. 9 is a block diagram of an automatic machine system. FIG. 9 shows an example of an automatic machine system in a financial institution in which an automatic payment deposit machine ATM3 and a host 1 that manages a customer file 2 are connected by a line.

Here, the ATM 3 is provided with a passbook insertion slot 4, a cash insertion / ejection slot 5, a card insertion / statement ejection slot 6, a display section 7 having a touch key for displaying guidance, etc. Perform transactions such as payment and deposit.

The transaction operation and processing when the ATM 3 is used to receive cash payment using a card and a passbook are as follows. (1) The customer selects “passbook payment” from the transaction type selection screen displayed on the display unit 7, inserts the transaction card into the card insertion / statement exit 4, and the passbook insertion port 2
To insert. (2) Next, enter the PIN and the requested payment amount. (3) During this time, in the ATM3, the MS (magnetic stripe) of the inserted passbook is read, and the passbook is checked by comparing the passbook and the transaction card, and the PIN number read from the transaction card and the entered PIN number are compared. Identity verification is performed. Then, if the check is OK, the passbook payment transaction request message is transmitted to the host 1. (4) When the host 1 receives this request message, it refers to the customer file 2 to refer to the deposit balance of the corresponding account number,
If the deposit balance ≧ the required payment amount, the passbook payment transaction permission message including the bookkeeping data is returned. (5) As a result, the cash is counted in the ATM 3, (6) The entry data is printed on the inserted passbook, the passbook MS records and communicates as necessary, and (7) the card and passbook are returned. (8) At the same time, cash is released and the transaction is terminated.

As described above, when the host 1 makes a payment request, if the deposit balance ≧ the payment request amount, the payment permission A
It is given to TM3 and withdrawn.

[0007]

According to the conventional payment transaction (including withdrawal transaction such as transfer) described above, if the deposit balance ≧ the required payment amount, the payment is executed. There is a possibility that your deposit balance will be insufficient during automatic withdrawal. Therefore, the user of the automatic withdrawal transaction must always pay attention to the balance and perform the payment transaction, which is a problem.

SUMMARY OF THE INVENTION In view of the above problems, it is an object of the present invention to provide a simple transaction device that prevents a lack of balance during automatic withdrawal.

[0009]

In order to achieve the above object, the transaction device of the present invention is, as shown in the principle diagram of FIG. 1 of the present invention, a required amount of money from a deposit account in which automatic withdrawal transactions are carried out every predetermined period. A withdrawal limit calculation unit 51 and a withdrawal guidance unit 52, and the withdrawal limit calculation unit 51 deducts from the deposit balance during the withdrawal period during the withdrawal transaction. The withdrawal limit amount is calculated by subtracting the expected amount, and the withdrawal guidance unit 52 displays the withdrawal limit amount when the required amount exceeds the withdrawal limit amount, and It is configured to display a guidance requesting approval or disapproval of withdrawal.

[0010]

[Function] When a withdrawal (payment) transaction is carried out, the withdrawal limit calculation unit 51 determines that the unpaid amount within the predetermined period (for example, payday) from the deposit balance (for example, the planned withdrawal amount until the next payday). , The approximate amount based on the amount of withdrawal at the previous time) is subtracted and the value is set as the withdrawal limit amount, and the withdrawal guidance unit 52 displays the withdrawal amount limit when the requested payment amount exceeds the withdrawal amount, At the same time, a guidance display asking for approval or disapproval of payment is displayed.

According to this display, the payment requester cancels the payment request amount being operated and inputs a new payment request amount within the withdrawal limit amount, or makes the payment as it is. Will be selected.

The withdrawal limit amount is calculated by obtaining a planned amount to be withdrawn by the next deposit date based on the specified withdrawal date and the past withdrawal amount, and deducting the value from the balance. Since this estimated amount of money is an approximate value, there are cases where an operation such as giving a margin to the calculated withdrawal limit amount is performed.

Since such a calculation method is adopted, in addition to the balance, transaction information such as a designated withdrawal date for each item, at least the corresponding withdrawal amount at the previous time, a scheduled deposit date (payday), etc. is required.

Since the transaction device generally comprises a transaction terminal device and a host having a customer file, the transaction information is stored in the customer file when the withdrawal limit calculation unit 51 is provided on the host side. If the transaction terminal device is provided with the withdrawal limit calculation unit 51, the payday is newly recorded and read from the bookkeeping data.

As described above, when the requested payment amount exceeds the planned automatic withdrawal amount, the withdrawal guidance such as the withdrawal limit amount is displayed, so that the user can pay the transaction without being aware of the shortage of the automatic withdrawal amount. Can be carried out.

[0016]

FIG. 2 is a block diagram of an embodiment, FIG. 3 is a process flowchart, and FIG. 4 is a diagram showing an example of a confirmation screen when the withdrawal limit is exceeded.

In this embodiment, the withdrawal limit amount is calculated by the host computer at the time of withdrawal (payment), and when the requested payment amount exceeds the withdrawal limit amount, the automatic payment depositing apparatus ATM is notified and a warning is given. An example of performing selective display will be shown.

In FIG. 2, the host 10 and the automatic payment depositing apparatus ATM20 are connected by a line 100. And A
When the transaction operation is performed by the TM20, the customer file 11 of the host 1 is referred to, and particularly in the case of a payment transaction, the requested payment amount is withdrawn at the ATM20 if the withdrawal limit is not exceeded.

In the host 10 of FIG. 2, reference numeral 11 is a customer file, and for each account number, balance, payment date (payday, etc.),
Withdrawal items (items in FIG. 2), withdrawal dates are registered, and the previous withdrawal amount is recorded.

A transaction processing unit 14 refers to the customer file 11 and performs a transaction process when a transaction request message is received from the ATM 20 via the communication control unit 15. Since this is a payment transaction, if the requested payment amount is less than or equal to the withdrawal limit,
Update the balance of the customer file 11 and send the transaction permission message to ATM
Return to 20. If the withdrawal limit amount is exceeded, the withdrawal limit amount calculated by the withdrawal limit amount calculation unit 12 is inserted into the transaction permission message together with the excess information and returned to the ATM 20.

Reference numeral 12 denotes a withdrawal limit amount calculation unit, which calculates a withdrawal limit amount in consideration of the automatic withdrawal amount in the case of payment transaction and notifies the transaction processing unit 14 of the result. 13 is a calendar that refers to the transaction date.

Further, in the ATM 20, 21 is a customer operation panel, such as a touch key formed on the display surface. A display unit 22 displays an operation guide screen. Reference numeral 23 is a passbook printing MS reader / writer for reading / writing the MS portion of the inserted passbook 40 and for recording.
A transaction statement printing unit 24 issues a statement 41. A card reader / writer 25 reads and writes data recorded on the inserted card 42. A cash handling device 26 deposits and withdraws banknotes 43.

A communication controller 28 communicates with the host 10. Reference numeral 29 denotes a transaction processing unit, which performs ATM transaction processing according to customer operations while displaying guidance. Reference numeral 30 denotes a withdrawal limit amount excess processing unit, which displays a confirmation screen as shown in FIG. 4 when the host 10 notifies that the withdrawal limit amount has been exceeded, and presses the confirmation button or the cancel button formed by the touch key. To carry out the corresponding processing. 27 is a main control unit, which is an ATM
Control each part of 20 to carry out the transaction.

In the automatic machine system having the above configuration, the withdrawal limit calculation process in a cash payment transaction is performed as follows. See FIG. 3 (S1) The customer selects a payment transaction from the transaction type selection screen displayed on the display unit 22 of the ATM 20. in this case,
A card transaction using only the card 42 may be used, or a passbook transaction may be used. In the case of card transaction, insert the card 42, enter the personal identification number, and enter the amount. For passbook transactions,
Insert the card 42 and the passbook 40, and then perform the same operation as the card transaction. (S2) The transaction processing unit 29 transmits a transaction request message containing the requested payment amount to the host 10 after the passbook check by matching the passbook MS data and the card data and the identity confirmation by the personal identification number. (S3) The withdrawal limit calculation unit 12 of the host 20
Each data of the account number notified from 11 is read and it is searched whether there is an automatic withdrawal item. If not, then FIG.
Although omitted, the transaction processing unit 14
To notify.

If there is an automatic withdrawal item, the previous withdrawal amount of the automatic withdrawal item is searched for, and the total amount of expected withdrawal required from the designated withdrawal date and the main transaction date to the next deposit date is calculated, and the balance is calculated. Subtract that value from. Then, the transaction processing unit 14 is notified of the subtracted value as the withdrawal limit amount. (S4) The transaction processing unit 14 compares the notified withdrawal limit amount with the requested payment amount, and if the withdrawal limit amount ≧ the requested payment amount, responds with a transaction permission message to the ATM20, and the ATM20 indicates the amount. Withdraw money. (S5) If the withdrawal limit amount <the required payment amount, the transaction processing unit 14 returns to the ATM 20 a conditional transaction authorization message including information indicating that the withdrawal limit amount has been exceeded and the withdrawal limit amount. (S6) In the ATM 20 which has received this message, the withdrawal limit amount over processing unit 30 displays a confirmation screen as shown in FIG. 4, and (S7) when the confirmation button is pressed, the transaction processing unit 29 Perform withdrawal processing. (S8) When the cancel button is pressed, the withdrawal limit amount overprocessing unit 30 re-enters the amount, and if this amount is less than or equal to the withdrawal limit, the withdrawal process is performed and the host 10 receives the amount. To notify. The initial screen may be returned by pressing the cancel button.

As described above, by registering the above-mentioned data necessary for calculating the withdrawal limit in the customer file 11, the withdrawal limit of the present invention can be calculated on the host side. [Other Embodiments] FIG. 5 is a block diagram of another embodiment, FIG. 6 is a view showing an automatic withdrawal item entry column of a passbook, FIG. 7 is a view showing an example of entry, and FIG. 8 is a processing flowchart.

This embodiment shows an example of calculating a withdrawal limit amount in an automatic transaction device such as an ATM. In general, a predetermined page of the passbook 40 has an automatic withdrawal item entry field as shown in FIG. 6, and an entry field for the payment date (payday, etc.) is added to this. Further, as shown in FIG. 7, a predetermined mark is printed in the entry column for payday transfer transactions and automatic withdrawal transactions.

As described above, the passbook 40 is constructed so that the data for calculating the withdrawal limit can be read, and each of these data is read by the character reading device OCR with reference to the predetermined position on the predetermined page and the mark. .

In the ATM 50 of FIG. 5, 31 is a transaction processing section for performing payment transactions, 32 is a withdrawal limit calculation section, and 33 is a passbook.
A memory stores data read from 40, 34 is a calendar, and 35 is a passbook printing MS reader / writer. In addition, the same reference numeral represents the same object throughout the drawings.

In the passbook printing MS reader / writer 35,
37 is an MS reader / writer that reads and writes the MS (magnetic stripe) of the passbook 40, 38 is a printing unit that prints entry data on the passbook 40, and 36 is a deduction item, deduction date, Last withdrawal amount,
OCR, 39 for reading payday etc. is a page turning section.

With the ATM 50 having the above-described configuration, the following withdrawal limit calculation processing is performed. See FIG. 8 (S1) The customer selects the payment transaction with the passbook 40, and inserts the card 42 and the passbook 40 (S2). The passbook 40 is usually inserted by opening the last page of the pages on which the book entry data is printed. (S3) The personal identification number is entered, and the passbook check and the identity verification are performed as in the above-described embodiment. (S4) First, a bookkeeping transaction is performed. That is, when the host is requested for the bookkeeping data and the bookkeeping data of the transaction so far is received, the passbook 40 is sent to the printing unit 38 for the bookkeeping. At this time, the transaction processing unit 16 of the host 10 adds the information if the bookkeeping data is automatically deducted and is transferred to the AT,
In M50, marks ● and ▲ as shown in FIG. 7 are printed in the corresponding mark fields. (S6) In the passbook printing MS reader / writer 35, while the passbook 40 is turning pages by the page turning unit 39, the entry fields (salary date, withdrawal date) shown in FIG. The column is read by OCR36, each item of data such as the amount of withdrawal of the previous time, the item withdrawn for this period (once a month, once in two months, etc.) is acquired, and the memory is stored. Store in 33. (S7) When the OCR 36 of the passbook 40 has been read, the withdrawal limit calculation unit 32 recognizes the main transaction date from the calendar 34 and calculates the withdrawal limit as in the above-described embodiment. (S8) The transaction processing unit 32 prompts the user to enter the amount by the guidance display, and if the requested payment amount> the withdrawal limit amount, the confirmation screen as shown in FIG. 4 is displayed. (S9) Then, if the confirmation button is pressed, the payment request message is transmitted to the host, and after the payment permission message is received, (S10) the withdrawal process is performed. (S11) When the cancel button is pressed, the amount of money is re-input, and (S8) and subsequent processes are performed. In this embodiment, the transaction processing unit 32 performs operations corresponding to the withdrawal processing unit 52 and the withdrawal limit amount excess processing unit 30.

By reading the bookkeeping data as described above, the withdrawal limit amount can be calculated on the automatic transaction device side. Note that instead of reading the bookkeeping data printed on the passbook 40, data required for calculation may be recorded in the MS attached to the passbook 40, or may be recorded in the card 42.

Further, since the previous withdrawal amount is calculated as the next withdrawal amount, an error occurs. Therefore, the withdrawal limit amount may be set to be smaller than the calculated value by a predetermined ratio to execute the transaction.

Although the above-described embodiment shows an example applied to a cash payment transaction, it is needless to say that it can be applied to a case of making a transfer from a deposit. As explained above, the host,
Alternatively, the automatic transaction device calculates the withdrawal limit amount in consideration of the automatic withdrawal amount at the time of payment transaction and notifies the customer, so that the customer does not need to be aware of the shortage of the automatic withdrawal amount.

[0035]

According to the transaction apparatus of the present invention, the estimated withdrawal amount is calculated with reference to the data before the transaction date as the minimum amount to be left in the deposit account, and the withdrawal limit is used as the transaction amount. Therefore, it is possible to prevent the shortage of the deposit balance at the time of automatic payment or automatic fund saving.

[Brief description of drawings]

FIG. 1 is a principle diagram of the present invention.

FIG. 2 is a configuration diagram of an embodiment.

[Fig. 3] Process flow chart

FIG. 4 is a diagram showing an example of a confirmation screen when the withdrawal limit is exceeded.

FIG. 5 is a configuration diagram of another embodiment.

FIG. 6 is a diagram showing an automatic withdrawal item entry field of a passbook.

FIG. 7 is a diagram showing an example of bookkeeping.

FIG. 8 is a processing flowchart diagram.

[Figure 9] Automatic machine system configuration diagram

[Explanation of symbols]

1 Host 2 Customer file 3 Automatic payment deposit machine ATM 4 Passbook insertion slot 5 Cash insertion / exit slot 6 Card insertion / statement discharge slot 7 Display section 10 Host 11 Customer file 12 Withdrawal limit calculation section 13 Calendar 14 Transaction processing section 15 Communication control unit 20 Automatic payment deposit machine ATM 21 Customer operation panel 22 Display unit 23 Passbook printing MS reader / writer 24 Transaction statement printing unit 25 Card reader / writer 26 Cash handling device 27 Main control unit 28 Communication control unit 29 Transaction processing unit 30 Withdrawal limit amount over-processing unit 31 Transaction processing unit 32 Withdrawal limit amount calculation unit 33 Memory 34 Calendar 35 Passbook printing MS reader / writer 36 Character reader OCR 37 MS reader / writer 38 Printing unit 39 Page turning unit 40 Passbook 41 Details Book 42 Card 43 Banknote 50 ATM 51 Withdrawal limit calculation section 52 Withdrawal guidance section 100 lines

Claims (1)

[Claims] 1. A transaction device that pays a required amount from a deposit account in which automatic withdrawal transactions are performed every predetermined period, and has a withdrawal limit amount calculation unit (51) and a withdrawal guidance unit (52). The withdrawal limit calculation unit (51) is for calculating the withdrawal limit at the time of withdrawal transaction by subtracting the expected withdrawal amount for the period from the deposit balance, and the withdrawal guide unit (52). A transaction device, wherein when the requested amount exceeds the withdrawal limit amount, the withdrawal amount limit is displayed, and a guidance display asking for approval or disapproval of payment is displayed.